The process and plan
Initial Consultation
A get to know you conversation at our cost, where we discuss your current setup, what objectives you have for now and the future and what might be getting in the way.
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We provide you with a full run down on how our service and fees work at this meeting, and then give you some time to digest this before deciding whether or not you would like to work with us.
Purpose and Planning
You have decided you would like to work together, the next step is spending time understanding what is important to you both now and in the future.
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These conversations can be insightful for clients and it provides the context for the financial plan and advice. What are we aiming for?
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We use this information alongside our expertise and financial advising software to project the start of the plan.
The Plan
Now that we have your goals and objectives, we analyse your current financial information and plans in further detail.
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Through this research and analysis, we formulate a recommendation that often involves financial products, services and tax considerations to bring your plan to life.
Implementation
We present our findings to you in a formal report, discuss the plan and and any questions you may have before proceeding.
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We then do all the heavy lifting for you to bring the plan to life.
Keeping it on track
We meet formally once a year to review what's changed in your life, and check the progress of your plan. If necessary, changes are made to ensure the plan is kept on track.
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Often one of the below crops up and is addressed:
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Career, various workplace pensions to consolidate
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Investing, tax planning and capacity and frequency to invest​
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Kids, planning and saving for their future
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Company Shares, how to diversify and tax planning
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Property, cash and mortgage decisions for a purchase or move
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Illness or Death, how does this affect your plans, what action should you take?
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Pension and Tax, legislation changes from government and adapting accordingly
Fees
All fees are disclosed in full to clients in our meeting.
Our on going advice fee is a maximum of 1% per year, this is reduced according the assets managed for a client.
Initial setup fee, this is a fixed cost to be able to get your plan up and running and is made clear in our first meeting.
Get in Touch
Reach out to us for expert financial advice and personalized planning solutions tailored to your needs.